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670 Whiterock Ave, Memphis, TN, 38109

4beds
2baths
1,199sqft
$109,900
$92price/sqft
$1,034/moest. monthly cost
$41,360/yrincome needed

About This Home

Welcome to 670 Whiterock Ave! This charming 4-bedroom, 1.5-bathroom home offers modern comfort in a well-established Memphis community. Built in 1971, this property stands out as a newer infill home, featuring a low-maintenance brick veneer exterior and a spacious 0.24-acre lot. Inside, you’ll find a functional 1,200 sq. ft. layout designed for efficiency and style. The large backyard provides ample space for outdoor activities and gardening. Conveniently located in the 38109 area, this home offers easy access to local schools and neighborhood amenities.

Getting Around

12
WalkingCar-Dependent
18
TransitMinimal Transit
26
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1971

Materials

  • Foundation: Slab
  • Roof: Composition Shingles
  • Construction materials: Brick Veneer

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range/Oven

Bedroom2

  • Area: 108

Bedroom3

  • Area: 81

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Area: 108

Features

  • Other (See Remarks),Square Feet Source: AutoFill (MAARdata) or Public Records (Cnty Assessor Site)

Heating & Cooling

  • Heating features: Ceiling
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,199 sqft

Kitchen

  • Features: Eat-in Kitchen
  • Area: 96

Living Room

  • Features: Separate Living Room
  • Area: 165

Master Bathroom

  • Features: Separate Shower

Master Bedroom

  • Area: 132

Property

Details

  • Parcel number: 076050 00021

Features

  • Stories: 1
  • Pool features: None
  • Exterior features: Other (See REMARKS)

Lot

  • Lot size: 10,454 sqft
  • Features: Level
  • Lot size dimensions: 70 x 151

Parking

  • Parking features: Driveway/Pad
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Heat Wave
Tornado
Earthquake
Inland Flooding

FEMA Declared Disasters Across Tennessee Counties

Flood
Freezing
Severe Ice Storm
Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $555$6,660
Home Insurance $216$2,592
Property Taxes $88$1,056
Electricity $175$2,103
Total$1,034$12,408

Income You'd Need if You Spent...

35% on housing$35,451/yr
40% on housing$31,020/yr
45% on housing$27,573/yr

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.5%
6.5%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$92This listing

vs Other Active Listings

Avg $/sqft

ZIP 38109$44
Shelby County$117

vs Homes Sold Last Month

Median $/sqft

ZIP 38109$80
Shelby County$132

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-14Price change$99,900
2026-07-31Price change$109,900
2026-07-03Price change$119,900
2026-05-29Listed for sale$129,900
2023-01-31Listing removed--
2023-01-06Listed for rent$1,200
2022-09-23Sold$82,000

For Sale by Agent

AgentThee Gaines
BrokerageTrelora Realty

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